Ryan Kuhn - Harbor Financial Mortgage

09/12/2026

09/03/2026

This is how we roll!

09/03/2026

Another closing, another happy repeat client!

There’s nothing better than helping a past client make their next move for their growing family.  Thank you for trusting me again!

A special shoutout to Morgan Cox, Loan Partner with Harbor Financial Mortgage; Geoff Gilkes, Processor Extraordinaire; and Val Juve and his team at Chicago Title for making it another smooth closing from start to finish.

Thank you for allowing us to be part of your story!

08/22/2026

08/18/2026

THIS COULD BE A GAME CHANGER!

We constantly talk about homeowners being trapped by 3% mortgage rates from 4 and 5 years ago.

No one is talking about homeowners that have amassed massive amounts of equity and are trapped by enormous unrealized gains.

More Homes on the Market Act-(H.R. 1340) is a bipartisan bill being considered by Congress.  It aims to unlock housing inventory by doubling the capital gains tax exclusion limits on the sale of a primary residence and adjust future figures for inflation.

Key Provisions of the Bill: 

Doubled Exclusions:  If passed, the bill would raise capital gains tax exclusions from $250,000 to $500,000 for single filers, and from $500,000 to $1,000,000 for married couples filing jointly.

Inflation Indexing:  Implements annual adjustments for inflation going forward, fixing limits that have remained unchanged since 1979 despite surging home prices.

Inventory Incentive:  Designed to motivate long term homeowners—especially empty nestors and seniors to sell properties without facing steep tax penalties on their accumulated equity.

“There are people on the sidelines right now, just waiting, because they either don’t want to pay their tax or can’t afford to pay a tax,” said Kevin Brown, president of National Association of Realtors (NAR).

NAR estimates 1 in 3 homeowners, almost 29 million households, have accumulated more home equity than the current exclusions allow for.  

In Texas alone, over 30% of homeowners have equity exceeding $250,000, that would be subject to steep Capital Gains Taxes.

08/14/2026

Congratulations to returning client Kyle and his "CLEAR TO CLOSE" in just 8 days!

Thank you to my Loan Partner Morgan Cox for handling all the important details in helping make this possible.

If you want to purchase a new home with Clarity and Confidence, let's start a conversation!